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WHY A USDA LOAN?
There are many benefits, including: no down payment required; borrowers who qualify for a USDA Rural Development home loan have the flexibility to pay nothing out of pocket for a down payment. Additionally, the USDA Loan allows borrowers to use a gift or grant to go toward their mortgage.
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Fixed Rates
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Adjustable Rate Mortgage (ARM)
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Low Mortgage Insurance
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No Loan Limits
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Terms from 5 to 30 Years
OUR USDA LOAN RATES ARE LOW & OUR PROCESS IS QUICK & PAINLESS
The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan. This guide will help you figure out what these loans are and whether you qualify.
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Though the terms and details of these loans differ, all offer very low effective interest rates (some are as low as 1 percent) and don’t require a cash down payment. To qualify, you need to have a decent credit history.
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We’re here to make the USDA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our
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We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
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The USDA Loan Process
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Here’s how our home loan process works:
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Complete our simple USDA Loan Qualifier
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Receive options based on your unique criteria and scenario
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Compare mortgage interest rates and terms
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Choose the offer that best fits your needs